It depends on the company which approved you! Most of these cosmetic surgery credit plans as doctor specific. So if your surgeon is NOT signed into the plan than no way can you use the approval. For example, CareCredit approves you for a loan for the $7,500 for Dr X. But you decide to switch to Dr Y, who is not a part of CareCredit, CareCredit WILL NOT allow you to use the funds unless Dr Y signs in/up with them. This is if you used a credit plan from the first doctor's office. If you obtained your own loan without using a doctor's office, but a directed loan or line of credit JUST to you. Than you obtain the funds and take a check to the new doctor. Hope you understand.